Facility finance
Cash Credit (CC) Facility
A revolving working capital limit secured by hypothecation of inventory and book debts. Drawing power is recalculated every month from your stock and debtor statement, so the facility grows and contracts with your business cycle.
- Interest rate
- 8.75% – 15% p.a.
- Loan amount
- ₹10 Lakh – ₹25 Crore
- Tenure
- 12 months, renewable annually
- Processing fee
- 0.35% – 1% annually
Features
What the cash credit facility gives you
- Drawing power derived from stock and debtors after margin
- Interest on utilisation only, debited monthly
- Sub-limits for letters of credit and bank guarantees
- Renewal and enhancement each year on updated financials
- CGTMSE cover available for eligible MSMEs without collateral
Eligibility
Who qualifies
- Trading or manufacturing business with inventory and receivables
- 3 years of operations with audited financials preferred
- Ability to submit monthly stock and debtor statements
- Collateral security or CGTMSE cover
- Satisfactory conduct on all existing facilities
Documents
Checklist to keep ready
KYC
- • PAN
- • Aadhaar
- • Entity constitution documents
Financials
- • 3 years audited financials
- • Provisional and projected financials
- • 12 months bank statements
- • GST returns and stock statement
Security
- • Property documents for collateral
- • Insurance of hypothecated stock
- • Debtor ageing statement
Calculator
Estimate your EMI and eligibility
Indicative figures only. Your final rate depends on the lender's assessment of your credit profile, income and, for secured loans, the property.
Monthly EMI
₹2,60,964
- Principal
- ₹80,00,000
- Total interest
- ₹13,94,691
- Total payable
- ₹93,94,691
Your personalised explanation will appear here. Indicative only — final approval depends on the lender.
Want the full picture?
Read our written eligibility guide — how FOIR at 80% of income works, credit score bands, and eligibility checklists for all 13 loan products.
Read the Eligibility GuideFAQs
Cash Credit Facility questions
Related loan services
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